Making threats to other people is not just a no-no at the forum, it has potential criminal and civil consequences.
If you threaten someone that is not educated, you may scare the uneducated. You do it to people who are smarter and have some education, it will get you into a lot of trouble or even laughed at. Making ridiculous threats like "I will ruin your live by hacking into your bank account , get you fired and destroy your credit rating" is stupid. Threatening to harass people with gangsters is actually criminal. There is no justification to make things up like that, especially over a tiny bit of money.
These are the golden words of the day - don't threaten people over the internet or in real life, especially on the internet, it is forever recorded.